ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeCommercial Insurance AgentsCalifornia › Rancho Santa Margarita

Find Commercial Insurance Agents Near You in Rancho Santa Margarita, CA

Browse commercial insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated commercial insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 17 commercial insurance agents serving Rancho Santa Margarita.

Showing 17 commercial insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
9Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
10Proserv Insurance23142 Arroyo Vista(626) 446-1000
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Commercial Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves businesses throughout Rancho Santa Margarita and the surrounding Orange County area, providing commercial insurance coverage tailored to diverse enterprise needs. This agency helps local companies protect their assets through comprehensive policy offerings designed for small and mid-sized operations. Standard services include general liability protection, which covers common operational risks, and property insurance to safeguard physical locations and inventory. Additionally, business owners can secure workers’ compensation coverage and commercial auto policies for their company vehicles.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Commercial Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc., in Rancho Santa Margarita, CA, provides a range of commercial insurance products to protect businesses from financial loss. Its service offerings include risk evaluation and policy management, helping companies maintain appropriate coverage over time. The company serves a variety of commercial property types, including single-family homes held as rentals, apartment buildings, retail stores, and restaurants.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Commercial Insurance Agent · Rancho Santa Margarita, CA

Farmers Insurance - Jerry Farcone serves homeowners, businesses, and property managers in Rancho Santa Margarita, California, offering tailored commercial insurance policies to protect local enterprises from liability and property risks. The agency provides guidance on general liability, workers’ compensation, and business interruption coverage, helping clients secure appropriate plans for their specific operations. It also assists in obtaining commercial auto insurance for company vehicles and equipment. The firm extends its service area to neighboring Mission Viejo for additional business clients needing reliable coverage solutions.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Commercial Insurance Agent · Rancho Santa Margarita, CA

Serving Rancho Santa Margarita and the surrounding communities of south Orange County, Rick Sicro - State Farm Insurance Agent provides commercial insurance coverage for local businesses. The agency handles policies that protect against common risks, including liability, property damage, and business interruption. To assess a client’s specific needs, the agent first reviews the nature of the business operations and its potential exposures. From there, it evaluates available coverage options and presents a policy tailored to those identified risks.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Commercial Insurance Agent · Rancho Santa Margarita, CA

Mashco Insurance Solutions Inc in Rancho Santa Margarita, CA offers commercial insurance for businesses, distinguishing between one-time policies for specific projects and recurring coverage for ongoing operations. Coverage options include general liability, property protection, and workers’ compensation, all tailored to local industry risks. Services in this area require professional risk assessment for each client. The company provides all service on either a one-time, scheduled, or as-needed basis to meet varying client demands.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Commercial Insurance Agent · Rancho Santa Margarita, CA

As businesses in South Orange County face shifting seasonal liabilities, Adam Bays of State Farm Insurance in Rancho Santa Margarita helps local commercial operators secure appropriate risk coverage. He focuses on tailoring policies to each venture's specific operational exposures, whether for a small retail store, a contracting firm, or a professional office. His process begins with a comprehensive review of the current business model and any tangible threats. A thorough initial inspection of the premises typically becomes the first concrete step in assembling a suitable policy package.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Commercial Insurance Agent · Rancho Santa Margarita, CA

George Menclewicz: Allstate Insurance in Rancho Santa Margarita offers tailored liability protection and property coverage for local businesses. Its services extend to general risk assessment and customized policy management for small to mid-sized enterprises in the area. The agency helps clients transfer operational risks that standard packages might not address fully. As seasonal fires and mudslides periodically threaten Southern California commercial properties, the office assists business owners in reviewing their disaster coverage limits and ensuring adequate business interruption protection.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Commercial Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc provides residential property and auto insurance coverage to homeowners in Rancho Santa Margarita, California. The company also assists local businesses with commercial insurance policies tailored to their property, liability, and operational needs. Serving clients throughout the surrounding area, the agency works to protect both personal assets and commercial enterprises. After a policy is issued or a claim is handled, the staff follows up with each client to review coverage and ensure any required adjustments are made before the next regular renewal visit.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Commercial Insurance Agent · Rancho Santa Margarita, CA

Julie's Insurance Services in Rancho Santa Margarita, CA, is known for guiding small to mid-sized local businesses through the process of selecting appropriate commercial coverage. It offers a range of policies designed to protect against operational risks, property damage, and liability exposures common in the region. The agency works closely with clients to assess their unique needs and coordinate tailored plans from multiple carriers. A specialty service it can add on is business interruption insurance to help maintain income during unexpected closures.

PI
23142 Arroyo Vista
Proserv Insurance
Commercial Insurance Agent · Rancho Santa Margarita, CA
FI
30211 Avenida de las Banderas # 200
Farmers Insurance - Renee Connell
Commercial Insurance Agent · Rancho Santa Margarita, CA
(949) 888-6610
agents.farmers.com/ca/rancho-santa-margarita/renee-connell
FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Commercial Insurance Agent · Rancho Santa Margarita, CA
(800) 922-6526
agents.farmers.com/ca/rancho-santa-margarita/cameron-watson
TO
22342 Avenida Empresa #255
totalinsuranceaccess
Commercial Insurance Agent · Rancho Santa Margarita, CA
+234 714 990 4362
totalinsuranceaccess.com
RI
31441 Santa Margarita Pkwy
Rischel Insurance Services
Commercial Insurance Agent · Rancho Santa Margarita, CA
(949) 589-8763
PR
30211 Avenida de las Banderas #200
Phillip Robinson Insurance Agency, Inc.
Commercial Insurance Agent · Rancho Santa Margarita, CA
(949) 525-8072
EI
23142 Arroyo Vista
Edson Insurance Services Inc.
Commercial Insurance Agent · Rancho Santa Margarita, CA
(800) 696-7544
FI
30021 Tomas
Farmers Insurance
Commercial Insurance Agent · Rancho Santa Margarita, CA
(949) 581-4466
farmers.com

What Does a a Commercial Insurance Agent in Rancho Santa Margarita Cost?

Commercial insurance costs in California vary widely by industry, revenue, and risk profile. A small retail shop might pay 500 to 2,000 dollars per year for general liability, while a construction contractor could pay 5,000 to 15,000 dollars annually for a package policy. Workers compensation rates are set by the state but differ by classification code. This is general information, not insurance advice.

About commercial insurance agents in Rancho Santa Margarita

A commercial insurance agent in Rancho Santa Margarita helps local businesses find coverage that meets California legal requirements. California law mandates workers compensation insurance for most employers and commercial auto liability for business vehicles. An agent can guide you through these requirements and help protect your business assets.

Frequently Asked Questions

What types of commercial insurance do businesses in Rancho Santa Margarita need?

Common coverages include general liability, property insurance, workers compensation, and commercial auto. California law requires workers comp for businesses with one or more employees. An agent can assess your specific risks and recommend appropriate policies.

How do California laws affect commercial insurance for small businesses?

California has strict liability rules and a high minimum wage, which can increase claim costs. The state also requires specific endorsements for certain industries like construction and transportation. Your agent can help you comply with these regulations.

Can a commercial insurance agent help with business interruption coverage?

Yes, many agents offer business interruption insurance that covers lost income if your business must close due to a covered event. This is especially important for retail and service businesses in Rancho Santa Margarita. An agent can explain policy limits and waiting periods.

Commercial Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each commercial insurance agent's credentials and current standing with your state Department of Insurance.